Save tax up to ₹75,000 ~ u/s 80D.
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Save tax up to ₹75,000 ~ u/s 80D.
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A Maternity Health Insurance is a safety net for expecting mothers and their newborns with thoughtful features and benefits that cover delivery-related expenses during the most joyous phase of their life.
Reasons to Choose Care Health Insurance?
JOY is a thoughtfully designed health insurance plan with maternity coverage for expecting mothers and newborns. At Care Health Insurance, we understand that rising medical inflation and skyrocketing hospitalization expenses create financial hindrances for to-be parents. Therefore, we offer JOY- the most health insurance with a maternity cover that gives the best healthcare facilities to the mother and her baby.
Available at an affordable premium, this plan reduces the couple's financial worries about delivery-related expenses and encourages them to start their family at the right time. It comes with a waiting period, so it is advisable to get maternity cover insurance in advance and stay prepared to welcome your baby into this world without any distress.
Cover Highlights
MATERNITY CARE
NEW-BORN BABY COVER
Pre & Post hospitalization
Expenses
INPATIENT CARE
Day care treatment
AMBULANCE COVER
FAMILY FLOATER OPTION
Health insurance with maternity coverage comes with the following features:
| KEY FEATURES | Joy Today | Joy Tomorrow |
|---|---|---|
| In-Patient Care | ||
| Day Care Treatment | ||
| Pre-hospitalization
info
We cover the related medical expenses incurred by you even 30 days before your hospitalization. There may also be follow-up visits to your medical practitioner, medication that is required etc. We cover the related medical expenses incurred by you after your hospitalization also, for a period of 60 days.
|
30 days | 30 days |
| Post-hospitalization
info
We cover the related medical expenses incurred by you even 30 days before your hospitalization. There may also be follow-up visits to your medical practitioner, medication that is required etc. We cover the related medical expenses incurred by you after your hospitalization also, for a period of 60 days.
|
60 days | 60 days |
| Ambulance Cover | Up to ₹1,000 per Claim | Up to ₹1,000 per Claim |
| Maternity Cover
info
We will cover maternity-related expenses incurred with respect to hospitalisation for the delivery of the child. What’s more, we even cover pre and post-natal expenses!
|
Up to ₹35,000 for 3L SI Up to ₹50,000 for 5L SI |
Up to ₹35,000 for 3L SI Up to ₹50,000 for 5L SI |
| Newborn Baby Cover
info
We will also cover the medical expenses of your dear newborn from birth till the completion of 90 days. After 90 days, your baby would be covered under the regular policy upon payment of additional premium.
|
Up to ₹30,000 for 3 Lac SI Up to ₹50,000 for 5 Lac SI |
Up to ₹30,000 for 3 Lac SI Up to ₹50,000 for 5 Lac SI |
| New Born Birth Defects | Not Applicable | ₹50,000 |
| Maternity wait period | 9 months | 24 months |
Minimum Entry age of adult is 18 years or above and 1 day to 24 years for child
Maximum Entry age limit is 45 years
Pre-policy issuance Medical Check up applicable on insured Person with age 46 years or above
Sum Insured will be reinstated for a non-related illness once a year if the original sum insured gets exhausted in a year
Waiting period of 4 years for coverage on conditions declared and existing at the time of first purchase
Co-payment - While buying or renewing a policy at age 61 years and above, customers will have the choice to include or exclude the co-payment feature that implies -
Continuing the policy with 20% co-payment
Continuing the policy without 20% co-payment by opting for a waiver benefit.
Free-look period of 15 days from the date of receipt of policy if you find it unsuitable after deducting proportionate risk premium for the period on cover, expenses for medical examination and stamp duty charges, as applicable
Any pre-existing ailment/injury that was diagnosed/acquired within 48 months prior to issuance of the first policy
Any diseases contracted during first 30 days of the policy start date except those arising out of accidents
Non-allopathic treatment.
Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
Cost of spectacles/contact lenses, dental treatment
Medical expenses incurred for treatment of AIDS
Congenital disease
STEP 1
Emergency
Intimate within 24 hours of your hospitalization
Planned Hospitalization
Intimate us 48 hours prior to your hospitalization
STEP 2
Cashless
Request for pre-authorization
Reimbursement
Claim from submission
Complete the pre-authorization form available
at the hospitals insurance/TPA Desk and send us through fax.
Approval
Approval letter sent by the claim management team
Query
Hospital/Insured to response to the query raised by the claim management team
Rejected
You may initiate the treatment and file for reimbursement claim
Submission of claim form along with required
documents, as per the policy terms & conditions
Approval
Approval letter sent by the claim management team
Query
Insured to response to the query raised by the claim management team
Rejected
We will communicate the reason in case of rejection
Look for hospitals around you
My appreciation for your prompt service
Rahul Sangwan
Health Insurance
We will continue to avail of your scheme
Samanway Barik
Health Insurance
Everything went very smooth
Soubhagya K Kulkarni
Health Insurance
Really helpful explaining the process in advance
Vaibhav Rai
Health Insurance
Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.
Best Health Insurance
Company of the Year*
48 Lakh + Claims Settled**
24800+
CASHLESS HEALTHCARE PROVIDERS^^
You can buy a maternity insurance plan when you are ahead in planning a family. Under our maternity/pregnancy insurance cover “Joy Today”, we cover maternity expenses after 9 months, and in the case of another cover called “Joy Tomorrow,” we cover maternity expenses after 2 Years.
No, you can’t buy JOY- Maternity Health Insurance while pregnant. You can take maternity insurance when ready to welcome your bundle of joy. However, the benefit is only available if the delivery happens after the waiting period. So, it is advisable to buy maternity insurance as early as possible. Care’s Joy Maternity Insurance Plan will provide essential coverage.
We have two maternity health insurance products their respective waiting period is mentioned as below:
The eligibility for maternity health insurance is:
No, if you get pregnant before enrolling in a health plan and delivery happens after the waiting period, you are eligible to avail of the benefit.
Self-termination of pregnancy is not covered under maternity coverage.
Yes, 2nd childbirth is covered under maternity coverage if the maternity sum insured is not exhausted.
Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.
~Tax benefit is subject to changes in tax laws. Standard T&C Apply
^^Number of Cashless Healthcare Providers as of 31st March 2024
**Number of Claims Settled as of 31st March 2024
~~10% discount is applicable for a 3-year policy
Get the best financial security with Care Health Insurance!
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